AtlantiCare Down Payment Assistance Program

AtlantiCare Down Payment Assistance Program是面向Atlantic City，New Jersey购房者的可免除贷款。 The AtlantiCare Down Payment Assistance (DPA) Program is a partnership between AtlantiCare (a southern New Jersey healthcare system) and the Address Yourself(TM) homeownership program operated by New Jersey Community Capital. It provides grants up to $10,000 to AtlantiCare employees seeking to become first-time homeowners in Atlantic City. The standard grant is $5,000 anywhere in Atlantic City, with an enhanced $10,000 grant available in five place-based target neighborhoods (Chelsea, Ducktown, Bungalow Park, Venice Park, Midtown). The grant is structured as a 5-year forgivable second mortgage; the borrower must remain in the home for 5 years for full forgiveness. Funding is allocated annually and may pause when fully committed. Provides grants of $5,000 (for any home purchased in Atlantic City) or $10,000 (for homes purchased in select Atlantic City neighborhoods - Chelsea, Ducktown, Bungalow Park, Venice Park, and Midtown) to AtlantiCare healthcare-system employees who are first-time homebuyers. Grants have a 5-year forgivability term: 100% forgiven if the borrower remains in the home for 5 years. full balance repayable on sale or refinance of the first mortgage before the 5-year mark. 资金来自Employer和Nonprofit。

AtlantiCare Down Payment Assistance Program在5年后免除，因此住满这段时间的购房者无需偿还。 触发还款的情形：Sale of the property or refinance of the first mortgage prior to the 5-year forgiveness period和full unforgiven balance is due. Loan is fully forgiven on the 5th anniversary of closing. 该援助以2nd Lien顺位留置权登记。 免除和还款条款由项目设定，并可能变化——申请前请在项目官方网页上确认。

AtlantiCare Down Payment Assistance Program面向首次购房者和将房屋作为主要住所自住的购房者。 此处的“首次”有例外情况：First-time homebuyer requirement applies (NJCC defines first-time as not having owned in prior 3 years per HUD/IRS standards)。 关于信用，该项目说明：Per first-mortgage product overlay (typically 620+ FICO)。 须参加购房者教育课程，由NJCC- and HUD-approved housing counseling agencies; pre-purchase counseling certificate (within 1 year) required提供。 居住要求：Property must be located in Atlantic City, NJ and used as the borrower's primary residence。 公民身份或移民身份：U.S. citizen, qualified non-citizen, or ITIN holder eligible。 Restricted to active AtlantiCare employees in good standing. Must be a first-time homebuyer purchasing a primary residence in Atlantic City. Borrower must contribute at least $1,500 of their own funds at the application date. Household income may not exceed 120% of the area median income for Atlantic County. Must enroll in the Address Yourself homeownership program, complete HUD-approved pre-purchase counseling, and obtain a mortgage preapproval from one of NJCC's approved lenders. ITIN holders are eligible.

AtlantiCare Down Payment Assistance Program将家庭收入限制在地区收入中位数的120%，该数值因县和家庭人数而异。 Up to 120% of HUD Area Median Income for Atlantic County, adjusted for household size. 2025 Atlantic County 100% AMI 4-person ~ $98,100; 120% AMI ~ $117,700 (4-person). Range across household sizes 1-8 approximately $62,400 - $117,700 (for 4-person). See HUD AMI tables. 该限制适用于家庭总收入，而不仅是借款人的收入。 地区收入中位数由HUD公布并每年更新，因此在依据某个数字之前，请查看该县的最新表格。

AtlantiCare Down Payment Assistance Program的房价上限如下：No published maximum purchase price; subject to first-mortgage product limits and the borrower's ability to repay。 符合条件的房屋类型包括1-4 family residential property occupied as primary residence。 新建房屋符合条件。 预制房屋不符合条件。

AtlantiCare Down Payment Assistance Program在其服务群体中提到了医护人员。 在此列出仅表示项目提到了该群体，并不表示仅凭群体身份即可使申请人符合条件——其余资格规则仍然适用。

AtlantiCare Down Payment Assistance Program服务于在Atlantic City，New Jersey购房的购房者。 该项目针对特定区域：Enhanced $10,000 grant available only for properties in Atlantic City's Chelsea, Ducktown, Bungalow Park, Venice Park, and Midtown neighborhoods (place-based targeting). AtlantiCare itself serves multiple southern NJ counties (Atlantic, Burlington, Camden, Cape May, Cumberland, Gloucester, Ocean, Salem) but the DPA assistance is restricted to home purchases located in Atlantic City.

AtlantiCare Down Payment Assistance Program的申请通过管理该项目的机构办理，该机构在其网站上公布现行条款和申请步骤。 资金通过Reserved through Address Yourself / NJCC application process once borrower is enrolled, preapproved, and under contract预留。 Hey Prescott不是贷款机构，也不受理申请；本页介绍该项目，方便购房者向贷款机构或住房咨询师咨询。